Micro loan platform for women-led MSMEs in Malaysia

with Community Base mentoring system

Dec 2023
Problem
Women-led MSMEs have challenges to access finance

Limited
Bank loan
25%
• of SMEs in SEA can access to Bank loan
• high requirement

Less
Financial 20%
literacy • of SMEs in Malaysia is women-led
• Required husband’s permission
• less financial education

2
Solution
We offer micro loan with unique credit score and community based Biz mentoring

Community based
Credit score
Biz Mentoring
• 5 in a group with a mentor
• Quantity data: Business cash flow
• 1 Mentoring a month
• Qualitative data: will to repay
• Business Hachathon event

3
3. Solution

Unique
credit scoring

Data Algorithm Total Score

Quantity Quality

4
4．Market

for Loan Size of women-led SMEs

TAM
SAM

$60 B $37 B SOM

Malaysia + Indonesia Live in urban area $3.7 B
10%of share
5. Traction : Loan History

Since Oct, 2020

Got Money Lending License
In Malaysia

83 160K 3-5%
• No. of disbursed Loan • Amount. of disbursed Loan • Default rate

6
6. Business model

Loan structure %
20
1.Size：RM10K ($3,000)
2.Term：12month
3.Install：Monthly 15

10

0
Interest Admission fee Interest cost Credit cost exchange cost SGA Profit

Revenue Cost Profit

24%（anm） 17% 7%

7
7. Competitors
Business Support

Manual Digital
Auto deduction

No after follow
8
8. Team

Fumiko Inada Anson Choo

Founder & CEO Operation Manager
• 9y in Bank/financial sector in Japan • 13y in 2 Banks in Malaysia
• 5y in Micro-finance(BRAC) in Bangladesh • 5y in Loan consultant in MY
• Master in Local Economic Development • Bachelor of Management and Technology

Naoyuki Matsuo Radziah Radzi

CTO Community Manager
• 11yrs in engineer in Japan and India • 10y in Micro-finance(AIM) in Malaysia
• 4yrs in CTO in Malaysia • 3y in Impact builder in MadCash
• IPO Experienced

9
9. Ask
Usage of fund

Marketing
4%

$ 500 K
Product Dev
Seed round 16%
15-month runaway
Principal
Tech Dev (App) Loan
20% 60%
Create the system to evaluate people fairly
and promote financial literacy

Thank you！
info@bee-informatica.com,
https://bee-informatica.com/